Cardiff

Welcome to Huxley Mortgage Services Cardiff! We’re passionate about finding the right mortgage solutions for you, and our friendly and experienced team are on hand to assist you throughout the process. As an independent, whole-of-market mortgage brokers, we can offer you exclusive deals that you won’t find by going straight to lenders – and more choice means a better chance of finding the right mortgage for you.

Welcome to Huxley Mortgage Services Cardiff!

Nestled in the heart of the Welsh capital, Huxley Mortgage Services are an independent, whole-of-market mortgage broker dedicated to bringing you the best solutions to suit your needs.

Our team of experienced professionals will ease you through the process from initial consultation to securing the mortgage solution that is right for you, keeping things stress free and simple.

We are a national mortgage broker with offices across the UK, however our Cardiff office places us in a great location ideally suited to serve Cardiff and the Glamorgan area. With access to over 140 lenders, we’re dedicated to finding the right mortgage for you.

If you’re looking for a mortgage within the Cardiff area, why not pop into the office for a chat with our team? You can find us at Capital Tower Business Centre.

What Mortgage Services Do We Provide In Cardiff?

✓  Remortgaging

Need to swap your existing mortgage for a new one? Looking for a more favourable deal to suit your needs or changing circumstances? Remortgaging is the perfect solution for you, whether you wish to stay with your existing lender or find a new one entirely. This is a popular option for homeowners with a fixed rate mortgage whose introductory offer is about to expire – by remortgaging, you can avoid being placed on your lender’s standard variable rate which is often less competitive. It can also give you more flexibility with how you pay your mortgage which can be helpful if your financial circumstances change.

 

✓  First-Time Buyers

Buying your first home but not sure where to start with your mortgage journey? We’re here to help! As a first-time buyer, you get access to all the same mortgages as everyone else, but to make things even better, you also get the added bonus of being eligible for Government assistance such as Stamp Duty relief and the famous Help to Buy schemes. Buying your first home might be a daunting process, but we’re here to help!

 

✓  Moving Home

The last thing you need when coordinating a house move is having to sit down and calculate your mortgage – that’s where we come in! Whether you’re transferring your existing mortgage to your new house or remortgaging for a bigger and better deal we can help take the stress out of your move with our expert assistance.

 

✓  Buy-to-Let Mortgages

Becoming a landlord for the first time? If you’re buying a property with the intention of letting it, you’ll need a buy to let mortgage. These work very similarly to traditional mortgages, but there are a few differences you’ll need to be aware of. Our expert team can help you with everything you need to know, as well as securing the best mortgage for your investment.

 

✓  Commercial Mortgages

If you’re buying a property for commercial use (such as an office, shop or restaurant), you’ll need a commercial mortgage. There are a number of key differences between commercial mortgages and traditional mortgages, and our experienced financial advisors are on hand to guide you through the process of finding the most suitable commercial mortgage deal for your business.

 

✓  Self-Employed Mortgages

You may think it’s difficult to secure a mortgage if you’re self-employed, but luckily, we’re here to help! Whether you’re a sole trader or a small business owner, you can still apply for a mortgage if you can provide lenders with more thorough financial information. As long as you are able to verify your income and have good credit, you can access the same mortgages as everyone else.

 

✓  Contractor Mortgages

Did you know, there are mortgage lenders out there who specialise in lending to contract workers? As long as you can provide the right information to lenders, being a contractor shouldn’t limit your options when it comes to finding a mortgage. Our expert team are on hand to guide you through the process and explain what information you will need to provide, the factors you’ll need to consider, and to help you find a mortgage that suits you.

 

✓  Adverse Credit Mortgages

Bad credit? Contrary to popular opinion, that doesn’t mean you won’t be able to secure a mortgage at all! Whether you have CCJs, defaults, or have even been declared bankrupt, there are mortgages out there specifically tailored for people with poor credit. As whole-of-market brokers, we have access to a wider range of mortgages and you may be surprised at the rates you can get…

 

✓  Mortgage Protection

While mortgage protection isn’t a legal requirement, we advise considering it purely for the peace of mind it gives. Mortgage protection is an insurance policy that covers your mortgage payments in the event that something unfortunate happens and you’re unable to keep up with them. Speak to one of our experienced financial advisors to find a plan that suits you and your circumstances.

What Other Services Do We Offer?

✓  Debt Consolidation

If you’re struggling to keep up with your debt payments, or find yourself juggling multiple loans, it may be worth considering a debt consolidation loan. These allow you to merge your debt into one larger, easier-to-manage debt – often with more favourable terms.

 

✓  Secured Loans

Secured loans allow you to borrow a sum of money using an asset you already own as collateral (typically your house). Because of this, you can borrow more money and often at a lower interest rate, but be warned, if you fail to keep up with your repayments you could risk losing your asset.

 

✓  Bridging Loans

A short term solution that helps you get from A to B, bridging loans are often popular choices when you need to get money quickly. Typically used for buying a property at auction, for house buyers wanting to get a deal done quickly, or by developers needing to fund a new project.

 

✓  Business Protection

Business protection does exactly what it says on the tin: protects your business in the event that you’re unable to work. At Huxley Mortgage Services, we offer a range of business protection policies including Relevant Life Insurance, Key Person Insurance and Shareholder Insurance.

Would you like us to get in touch to discuss your mortgage options?

Speak to us now 01829 738 808 or

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Why Choose Huxley Mortgage Services?

At Huxley Mortgage Services, client satisfaction is our top priority, so if you’re after a mortgage broker that will put you first, you’ve come to the right place.

As independent, whole-of-market brokers, we have access to over 140 lenders meaning there is a huge range of options for you to choose from and find the right solution for you.

At Huxley, we pride ourselves on going the extra mile for our clients, that’s why we offer a red-carpet service for all of our clients. This means you get immediate access to one of our mortgage advisors; the option to arrange evening and weekend appointments, seven days a week; constant updates throughout the process; and a fully managed service from the first contact through to the final completion.

To get the expert mortgage advice you’re looking for from a name that you can trust, get in touch with the Huxley team today on 029 2236 2348

A Little Bit About Cardiff

Situated in South Wales, the Welsh capital Cardiff sees a huge number of visitors each year. Whether you’re a sports fan, keen shopper or a history buff, there truly is something for everyone.

Cardiff is reported to have the largest concentration of castles out of any city in the world. It is home to popular tourist attraction Cardiff Castle in the heart of the busy city centre, as well as Castle Coch and two further ‘Motte and Bailey’ castles in Radyr and Rhiwbina which, along with another castle at Whitchurh, hold huge historical significance.

Alongside its impressive castles, Cardiff is also home to the Principality Stadium and Wales Millenium Centre, the Welsh National Museum and the Senedd building (home of the Welsh Parliament).

Sport plays a huge role in the community, and Cardiff plays host to many high-profile sporting events leading it to be crowned European Capital of Sport in 2014. Cardiff’s Principality Stadium hosted the FA Cup for six years running, as well as eight of the London 2012 Olympic football matches. Football is a huge part of sporting culture in Cardiff, with Cardiff City F.C being the most famous club in the area.

Of course, rugby union is a huge part of Cardiff’s sporting scene with Cardiff RFC building an internationally renowned reputation having beaten both South Africa and New Zealand, with Australia failing to beat the side on six attempts. Cardiff also hosts the indoor special stages of the World Rally Championship which takes place at the Principality Stadium each year, while the British Speedway Grand Prix is held at the Millenium Stadium.

Sport isn’t Cardiff’s only popular export however, with a number of well-known bands and musicians deriving from the Welsh capital too, such as Charlotte Church, Shirley Basey and Shakin’ Stevens.

With its vibrant music scene, rich historical heritage, and world-renowned sporting achievements, it’s clear to see why Cardiff remains such a popular city.

If you’re looking to secure a mortgage in Cardiff, get in touch with Huxley Mortgage Services on 029 2236 2348 or at info@huxleyms.co.uk today, or pop into our Cardiffoffice!